Traditional IRAs allow individuals to make regular contributions and reduce taxable income. We act as the custodian for the IRA, receiving the funds and investing them only in F&M IRA Certificates of Deposit.

Save for the future

Good interest rates

Tax-fee withdrawals for certain distributions

Contributions may be tax deductible

FDIC insured

Roth IRA

The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distributions. Roth IRA accounts are designed to help those who want to save for their financial future through weekly, monthly, or annual deposits.

Save for the future

Good interest rates

Interest is tax-free upon withdrawal

Contributions are not tax deductible

FDIC insured

Coverdell Education Savings

Coverdell Education Savings Agreement (CESA) is a nondeductible account that features tax-free withdrawals for a child's higher education expenses. CESAs are designed to help those who want to save for their children's future education by making weekly, monthly, or annual deposits.